Hong Leong Touch ‘n Go Zing Card (Credit) Terms & Conditions
These Terms and Conditions are to be read together as a whole with the Cardholder Agreement
and any other relevant terms and conditions as the Issuing Bank may impose from time to time
with prior notice, as well as other rules and regulations binding on the Issuing Bank. Should
there be any discrepancies, the specific Terms and Conditions herein shall prevail to the extent
of such discrepancy.
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Definitions
“Appropriate Authority” means any government or taxing authority;
“Auto Reload Function” means the feature in the TNG Facility which automatically tops up
the stored monetary value in the electronic purse with the Auto Reload Value (at toll lanes
operated by the Service Providers) when the stored monetary value reaches the Preset
Threshold;
“Auto Reload Fee” means a fee imposed by TNGSB for each successful auto reload of the
stored monetary value in the electronic purse with the Auto Reload Value when the stored
monetary value reaches the Preset Threshold;
“Auto Reload Value” means the fixed monetary value of RM100.00, which may be
varied from time to time by TNGSB and the Issuing Bank that will be added onto the
Zing Card when the monetary value of the Zing Card reaches the Preset Threshold;
“Card” means any MasterCard, Visa and/or American Express issued by the Issuing
Bank under the categories of Classic, Gold or Platinum, such other categories which the
Issuing Bank may introduce or replace from time to time and shall include cards issued
in affiliation or in association with any third party and/or cards issued under any product
or select names or reference, and in the light of Clause 22 of the Cardholder Agreement
which also includes a Supplementary Card;
“Cardholder” means the person to whom and in whose name the Card and Zing Card is
issued by the Issuing Bank;
“Card Account” means the account of the Cardholder with the Issuing Bank in respect
of the Principle Card;
“Cardholder Agreement” means the agreement between the Issuing Bank and the
Cardholder that governs the issue and use of the Card;
“Inactive” means a Zing Card with no card transaction (reload or usage) for a period of
24 consecutive months;
“Issuance Fee” means a fee imposed by the Issuing Bank for the issuance of a Zing
Card;
“Issuing Bank” means Hong Leong Bank Berhad (“HLB”) or Hong Leong Islamic Bank
Berhad (“HLISB”), the issuer of the Credit Card and Zing Card, and includes its successorsin-title;
“Maintenance Fee” means a fee imposed by TNGSB at six (6) monthly intervals from
the date the TNG Chip in the Zing Card becomes Inactive for the maintenance of the
Unutilized Value;
“Preset Threshold” means the minimum value of RM50.00 (or such other amount as
TNGSB may determine from time to time);
“Principal Card” means a MasterCard and/or VISA, or any other brand of Card, issued to
a Principal Cardholder pursuant to the Cardholder Agreement;
“Principal Cardholder” means the person to whom and in whose name a Principal
Card is issued;
“Processing Fee” means a fee imposed by TNGSB for processing a request for a refund
of any Unutilized Value in the Zing Card;
“Replacement Fee” means a fee imposed by the Issuing Bank for the replacement of a Zing
Card;
“Renewal Fee” means a fee imposed by the Issuing Bank for the renewal of a Zing
Card;
“Service Providers” means the party or parties who have entered into an agreement
with TNGSB to accept TNG as a means of payment;
“Tax” means any present or future, direct or indirect, Malaysian or foreign tax, levy,
impost, duty, charge, fee, deduction or withholding of any nature, that is imposed by
any Appropriate Authority, including, without limitation, any consumption tax such as
the goods and services tax (“GST”) and other taxes by whatever name called, and any
interest, fines or penalties in respect thereof;
“TNG” means Touch ’n Go;
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2.1 2.2
2.3 2.4 3.
3.1
3.2
3.3
3.4
3.5
4.
4.1
“TNG Chip” means the chip containing the TNG Facility with the Auto Reload Function
embedded in the Zing Card;
“TNG Facility” means the payment facility using the electronic purse containing prepaid
stored monetary value with an Auto Reload Function contained in the TNG Chip in the
Zing Card;
“TNGSB” means Touch ‘n Go Sdn Bhd, the provider of the Touch ‘n Go Services, and
includes its successors-in-title;
“TNG Services” means any services as may be provided by TNGSB from time to time to
facilitate payment by the Cardholder of toll charges, parking fees and any other charges,
using the TNG Facility as a mode of payment;
“TNG Terms” means the terms and conditions of the Zing Card issued by TNGSB for the
TNG Services made available via www.touchngo.com.my;
“Unutilized Value” means the unutilised stored monetary value in the TNG Chip
embedded in the Zing Card;
“Zing Card” means a card produced by TNGSB and issued by the Issuing Bank bearing
the name “Touch‘n Go Zing Card” containing the TNG Chip with the credit facility (as
governed by the terms and conditions of the Cardholder Agreement between the
Issuing Bank and the Cardholder) for the purpose of Auto Reload Transactions.
Application
The Cardholder is required to complete the Hong Leong Touch ‘N Go Zing Credit Card Form
(“the Application Form”) and submit it to the Issuing Bank together with the documents
specified in the Application Form to apply for a Zing Card.
The application for Zing Card and the endorsement of the Cardholder’s signature thereon
constitute the agreement of the Cardholder to the Hong Leong Touch ‘N Go Zing Card
(Credit) Terms and Conditions herein governing the use of the Zing Card as well as the
Cardholders Agreement that governs the issuance and use of the Card.
The Cardholder shall inform TNGSB and the Issuing Bank of any changes in the particulars
provided in the Application Form.
The Principal Cardholder shall be liable to the Issuing Bank for all the Zing Card
transactions performed.
Conditions of Use
A Zing Card can only be issued by the Issuing Bank and activated for use by the
Cardholder who maintains a valid Principal Card with the Issuing Bank
TNGSB shall honour all transactions under the Touch ‘n Go Services and permit the Auto
Reload Value to be loaded at the toll lanes provided always that the Zing Card is valid
when presented and the Cardholder and the relevant transactions are in compliance
with the terms and conditions herein contained.
The stored value in the Zing Card can be used at all the toll lanes on its own or together
with the “SmartTag” device at the relevant TNG and SmartTag lanes as well as for
payment at the selected Service Providers in accordance with the TNG Terms.
The Cardholder shall be responsible for the usage of the TNG Facility and shall use
the TNG Facility in accordance with the procedures, instructions, guidelines as may be
prescribed by TNGSB from time to time.
The Cardholder shall not transfer, sell, damage or tamper Zing Card or the TNG Chip
embedded therein.
Fee and Charges
All fees and charges as stipulated herein shall be subject to Tax at the prevailing Tax rate.
Issuance Fee
(a) The Cardholder will be charged an Issuance Fee of RM10.60 (comprise of
Issuance Fee=RM10.00; 6% of GST=RM0.60) or each and every issuance of a
Zing Card (unless exempted in accordance with the terms herein) which shall be
automatically debited from the Cardholder’s Card Account with the Issuing Bank.
(b) The Issuing Bank is hereby expressly authorized to debit from the Principal
Cardholder’s relevant or active Card Account all monies required towards settling
all fees and charges due to the Issuing and/or TNGSB (including increased fees
and charges) with prior notice.
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5.1
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5.4
Replacement Fee
(a) The Cardholder will be charged a Replacement Fee of RM10.00 for the replacement
of a Zing Card (unless exempted in accordance with the terms herein) which shall
be automatically debited from the Cardholder’s Card Account with the Issuing
Bank.
Renewal Fee
(a) All Zing Cards issued are subject to an expiry date of five (5) years and all Zing
Cards issued are subject to an expiry date of ten (10) years.
(b) Upon expiry thereof, the TNG Chip in the Zing Card shall be totally incapacitated
and any Unutilized Value shall be refundable to the Cardholder in accordance with
Clause 4.5.
(c) Subject to the discretion of the Issuing Bank and TNGSB, upon the expiry of
the Zing Card, the Cardholder shall apply to renew the Zing Card subject to the
payment of a Renewal Fee of RM10.60 (comprise of Renewal Fee=RM10.00; 6%
of GST=RM0.60) to the Issuing Bank which shall be automatically debited from the
Cardholder’s Card Account with the Issuing Bank.
Auto Reload Fee
(a) For each successful auto reload, an Auto Reload Fee of RM2.12 (comprise of Auto
Reload Fee=RM2.00; 6% of GST=RM0.12) will be charged by TNGSB and the
Cardholder hereby grants authorization to the Issuing Bank to debit such Auto
Reload Fee from the Cardholder’s Card Account with the Issuing Bank .
Processing Fee for Refund of Unutilized Value
(a) A Processing Fee of RM5.30 (comprise of Processing Fee=RM5.00; 6% of
GST=RM0.30) will be charged for attending to the Cardholder’s request for refund
of any Unutilized Value in the Zing Card. All refund of Unutilized Value is subject to
the discretion of TNGSB and the Issuing Bank.
(b) The Processing Fee by TNGSB shall be deducted from the Unutilized Value before
the balance of the Unutilized Value in the Zing Card is refunded to the Cardholder’s
Card Account. No refund of any Unutilized Value shall be made unless there is
Unutilized Value left in the Zing Card after the deduction of the Processing Fee. No
cash refunds will be allowed.
(c) Any requests for refund of Unutilized Value by the Cardholder in respect of lost,
stolen and/or damaged Zing Card and/or any other circumstances shall be subject
to the TNG Terms.
(d) Notwithstanding anything mentioned in this clause 4.5 to the contrary, all
refunds of Unutilized Value shall be subject to the Issuing Bank’s right of set-off as
contained in Clause 23 of the Cardholder Agreement.
Maintenance Fee
(a) The Maintenance Fee RM5.30 (comprise of Maintenance Fee=RM5.00 ; 6% of
GST=RM0.30) shall be deducted from the Unutilized Value in the Zing Card at
six (6) monthly intervals from the date the TNG Chip in the Zing Card becomes
Inactive for the maintenance of the Unutilized Value.
(b) The Maintenance Fee shall be deducted until the Unutilized Value in the Zing Card
is exhausted.
Use of the Auto Reload Facility
TNGSB will automatically reload onto the TNG Chip in the Zing Card with the Auto
Reload Value when the stored monetary value in the electronic purse reaches the Preset
Threshold. Auto Reload Function is only applicable when the Zing Card is used at the
respective toll lanes.
No manual reload is allowed as any manual reload at any toll lanes and/or at the
Service Providers will deactivate the Auto Reload Function.
The Cardholder agrees that the Auto Reload Function is limited to one (1) auto reload for
every 24 hours.
The Cardholder hereby grants consent and authorization to the Issuing Bank to debit
the Cardholder’s Card Account with an amount equal to the Auto Reload Value and the
Auto Reload Fee upon the occurrence of any automatic reload transaction, any other
chargeable services and Tax incurred thereon with prior notice to the Cardholders.
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7.5
7.6
Notwithstanding anything herein contained, TNGSB and/or the Issuing Bank shall have
the right at any time to disable the Auto Reload Function in respect of any Zing Card on
any ground they consider reasonable (including but not limited to cases of insufficient
credit limit, unsatisfactory credit conduct, or in the cases of Zing Card reported lost stolen
or forged).
Where the Auto Reload Function has been disabled in respect of any Zing Card, the
Auto Reload Function may be reactivated with the consent of the Issuing Bank provided
that the matters which resulted in the Auto Reload Function being disabled have been
resolved to TNGSB and the Issuing Bank’s satisfaction.
Reactivation of the Auto Reload Function for the Zing Card can only be effected by
the Cardholder contacting the Issuing Bank’s relevant call centre to request for the
reactivation of the Auto Reload Function. Forty eight (48) hours after the request for
reactivation, the Cardholder may proceed reactivate the Auto Reload Function in the
Zing Card by presenting the Zing Card at selected Touch ‘n Go counters specified by
TNGSB for reactivation.
Neither the Issuing Bank nor TNGSB shall be liable to the Cardholder in anyway
whatsoever for any delay caused or lost or damage incurred or suffered by the
Cardholders due to the failure of the Auto Reload Function in respect of any Zing Card
for any reason whatsoever or the refusal by any of the Service Providers to accept the
Zing Card or TNG as a means of payment in exchange for the provision of goods and/
or services. The Cardholder shall at all times ensure that they have alternative means of
effecting payment for the provision of goods and/or services by the Service Providers.
Save where otherwise expressly provided in these terms and conditions, TNGSB shall be
solely and exclusively liable to the Cardholder for the stored monetary value contained
in the TNG Chip and Cardholder shall not hold the Issuing Bank responsible for the same.
Dispute on Card Transaction
In addition to and without prejudice to the provisions of the Cardholder Agreement, any
dispute by the Principal Cardholder in respect of any debits made to the Principal Card
must be reported to the Issuing Bank within fourteen (14) days of receipt or deemed
receipt of the relevant Cardholder’s Statement failing which the Principal Cardholder
shall be deemed to have accepted the entries contained therein as correct and as final
and conclusive evidence of the facts contained therein and binding on the Principal
Cardholder.
Any disputes by any Cardholder in respect of any usage transactions effected to
the stored monetary value in the TNG Chip shall be brought to TNGSB’s attention
immediately and resolved between the Cardholder and TNGSB.
Notification of Unauthorized Transactions on Theft, Loss and Replacement
Zing Card
The Cardholder is solely and fully liable for any unauthorized use of the Zing Card or if the
same is lost or stolen. Neither TNGSB nor the Issuing Bank shall be liable for any misuse
of the Zing Card or for any unauthorized usage of a lost or stolen Zing Card.
The Cardholder shall report lost or stolen card to the Issuing Bank Card Centre promptly
to avoid incurring further fraudulent charges.
Notwithstanding prompt notification by Cardholder, both TNGSB and the Issuing Bank
shall be allowed twenty-four (24) hours from the time of notification to deactivate the
Zing Card.
Upon receipt by the Issuing Bank of notification of a lost, stolen or expired Zing Card,
the Zing Card may then be replaced with new Zing Card of zero value within seven
(7) working days. The Unutilized Value of the invalidated Zing Card may be credited to
the Cardholder’s Card Account less the applicable Processing Fee and all the relevant
applicable charges mentioned in clause 4 above.
In the event of lost or stolen Zing Cards, the Issuing Bank or TNGSB shall bear no
responsibility for transactions occurring or incurred prior to the proper report being made
to the Issuing Bank’s card centre and within the said 24 hours. Cardholders shall remain
fully liable for all charges including and not limited to the Auto Reload Function occurring
or incurred during the 24 hours’ period.
The Issuing Bank will be under no obligation to issue a replacement card to the
Cardholder following the lost or theft of a Zing Card.
7.7
All replacements of any Zing Card must be authorized by the relevant Principal
Cardholder to the Issuing Bank’s card center and an Issuance Fee shall be chargeable in
accordance with Clause 4.1 above.
8.
8.1
8.2
Zing Card Deactivation
Any Zing Card that subsequently becomes Inactive shall be deactivated by TNGSB.
In the event that the Zing Card has been deactivated, a Maintenance Fee of Fee RM5.30
(comprise of Maintenance Fee = RM5.00 ; 6% of GST = RM 0.30)will be imposed by
TNGSB and such fee shall be deducted from the Unutilized Value once every six (6)
months. The Cardholder agrees that this automated deduction will continue until the
Unutilized Value in the Zing Card is exhausted.
9.
9.1 Termination
The use of the Zing Card by the Cardholder may be terminated by the Issuing Bank at its
sole discretion including but not limited to the following reasons:
(a) the Cardholder is in breach of any of the terms and conditions herein;
(b) the cardholder is reported expired lost, or stolen, forged or damaged;
(c) the right of the Cardholder to use the Zing Card is invalidate as herein provided;
(d) the TNG Electronic Payment System of TNGSB fails, is changed, improved upgraded
or modified;
(e) the Cardholder’s Card Account is Inactive;
(f) the Principle Card is terminated for any reason whatsoever
(g) the Cardholder self-initiated termination of the Zing Card
(h) the Zing Card as the case may be, by file transfer or any other mode agreed upon
between the issuing Bank and TNGSB
Without prejudice to Clause 9.1 , the use of a Zing Card is terminated:
(a) when Cardholder notifies the Issuing Bank of his intention to terminate the validity
of the Zing Card, or
(b) when the Issuing Bank notifies TNGSB of the termination of the Zing Card.
Upon any notice of termination having been given in accordance with clause 9.1 (a)
or (b) above:(a) The Issuing Bank may advice TNGSB to disable the Auto Reload Function on the
Zing Card(s); and
(b) The Issuing Bank may advice TNGSB to disable the TNGSB to disable the TNG
Facility on the Zing Card(s) at its sole and absolute discretion depending on the
circumstances of the termination.
Cardholders shall remain fully liable to the Issuing Bank and TNGSB for all transactions
occurring or incurred on the TNG Chip of the Zing Card and the Principal Cardholder shall
be liable for all Auto Reload Functions effected and debited to his Cardholder’s Card
Account for the 24-hour period after the Issuing Bank acknowledges receipt of the
notice of termination.
Where:(a) the TNG Facility has been terminated in respect of any Zing Card, the Unutilized
Value thereof shall be refundable to the Cardholder in accordance with Clause 4.5
hereof: and
(b) only the Auto Reload Function in any Zing Card has been disabled or terminated,
the Unutilized Value thereof shall for as long as it has not expired or been treated
as Inactive, be valid for use until it has a nil stored value balance.
Notwithstanding anything herein contained, all request for any refund for the Unutilized
Value in the Zing Card must be lodged with the Issuing Bank within ninety (90) days
from the date of the lost, theft, cancellation or termination of the Zing Card.
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9.3
9.4
9.5
9.6
10.
Changes in Terms and Conditions
(a) TNGSB and the Issuing Bank reserve the right to add, delete, suspend, vary or
amend the use of the Zing Card or terms and conditions contained herein, wholly
or in part at its absolute discretion at any time with prior notice. The Cardholder
shall not be entitled to claim any compensation against TNGSB and the Issuing
Bank for any and all loss and damage suffered or incurred by the Cardholder
whether as a direct or indirect result of such act of amendments, cancellation,
termination or suspension.
(b) The Issuing Bank will notify the Cardholder of any amendments or change to
these terms and conditions and of the date on which the changes will become
effective. All changes and amendments will be advised by advertisement in the
press, via the mailing of notices, or display of notices at TNGSB or the Issuing Bank,
or display of notices at TNGSB or the Issuing Bank’s Website or at any of the Touch
‘n Go sales counters as TNGSB and/ or the Issuing Bank shall deem necessary and
shall be deemed as sufficient notification to the Cardholder.
11.
Notices
All other notices to be given by Cardholder to the Issuing Bank will be in accordance with
the Cardholder Agreement.
12.
Disclosures
In addition to the permitted disclosures as set out in the Cardholder Agreement, the
Cardholder hereby authorizes the Issuing Bank to disclose any information concerning
the Cardholder to TNGSB and TNGSB’s business alliance partner (Project Lebuhraya
Usahasama Berhad) to facilitate the use of the Zing Card, or entitlement of rebates, or
for the purpose of recovering any monies due and owing by Cardholder to the Issuing
Bank and TNGSB.